The Benefits of Nielsen

Transcription

1 2013 Highlights The following pages provide an overview of The Benefits of Nielsen Health, Insurance and Retirement Plans. Visit to: Access detailed information about your benefits in the Nielsen 2013 Guidebook located under Reference Learn about the Nielsen Health Fund Premium and Nielsen Health Fund Value plans, the Generic Prescribing Program and Nielsen Healthy Measures Review all of Nielsen s health and wellness resources Enroll in your benefit plans Enrolling in Your Benefits Enrollment is done though the Fidelity NetBenefits website, available 24 hours a day. You have 31 days from your date of hire to enroll in these benefits: Medical, Dental, Vision, Health Care Spending Account, Dependent Care Spending Account, Long-Term Disability, Supplemental Life Insurance, Dependent Life Insurance, Basic Life and Accidental Death and Dismemberment (AD&D) Insurance, Short-Term Disability (STD) coverage and the Employee Assistance Program (EAP). If you do not make any elections, you will only be enrolled in these core benefits: Basic Life and Accidental Death and Dismemberment (AD&D) Insurance, Short-Term Disability (STD) coverage, Long-Term Disability (LTD) coverage and the Employee Assistance Program (EAP). You pay the full cost of LTD coverage with after-tax dollars. Nielsen pays the full cost of the rest of these benefits.

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3 Health and Wellness Plans Healthy Measures Through this voluntary program, you have the opportunity to complete a biometric screening for five key measurements that can indicate both healthy lifestyle habits and potential health risks that can lead to chronic and costly conditions. If you complete the voluntary screening and the Health Risk Questionnaire, you may be eligible to receive a discount* on your 2013 medical plan premium contributions. Every eligible employee can participate in the Healthy Measures program, with the choice of completing some or all of the measurements. If you choose not to participate, you are not eligible to receive any of the benefits of the program. Certain circumstances may qualify you for a waiver for Healthy Measures program requirements visit for more information. * As a reminder, medical premiums are deducted from your gross income before federal, state and local income taxes are assessed, with the exception of premiums paid for same sex spouse/domestic partners, which are deducted after federal, state and local income taxes are assessed. 1

4 Health Management Resources Best Doctors Nielsen offers full-time employees and their dependents covered in a Nielsen medical plan access to the Best Doctors program, designed to help you get answers to health issues, or a second opinion on your treatment, from the country s highest-rated doctors. Visit to learn more. Treatment Decision Support (TDS) Program In addition to the information you receive from your doctor, Nielsen provides another valuable resource the TDS Program. With TDS, you have access to experienced, registered nurses who can give you more information about your condition, help you understand your treatment options and connect you with high-quality physicians. TDS covers medical conditions such as musculoskeletal, obesity and heart disease, and can also help explain what you can expect during your treatment and hospitalization. To see if you qualify for the program, contact a TDS nurse at Health Advocate Health Advocate helps you navigate the health care system so you can make more informed decisions about your health care, including health plan enrollment. Nielsen pays the full cost of Health Advocate, and all full-time employees, spouses/domestic partners, parents and parents-in-law may call as often as they wish. Visit to learn more. Health Advocate Tobacco Cessation Program The confidential Health Advocate Program is a 13-week program that provides all beneftiseligible employees with unlimited access to a Health Coach, who can help you set up your own pesonalized quit plan and support you every step of the way. Healthy Pregnancy Program The Healthy Pregnancy Program will help you through every stage of your pregnancy and delivery. When you enroll in our healthy Pregnancy Program, a care coordinator will consult with you, via telephone, to help you determine what, if any, risks or complications could arise during your pregnancy. If you have individual needs, a Healthy Pregnancy Program nurse will provide one-on-one support throughout your pregnancy. In addition, at you can access a full range of articles and an Owner s Manual that will walk you through what to expect before, during and after your pregnancy. Wellness Coaching Program The UnitedHealthcare Wellness Coaching Program gives you access to specially trained personal wellness coaches who can help you identify health risks, set goals and develop personalized strategies to help you take control of your health. Certified wellness coaches are cross-trained in multiple wellness concentrations including: Diabetes Lifestyle Nutrition Exercise Weight Heart Health Management Lifestyle The Program consists of both telephonic and online support. If you are eligible, you ll be invited to participate in a Wellness Coaching Program by a wellness coach. Individuals may also self-enroll at any time by calling Learn more about this program at For employees who meet the program requirements, Nielsen will contribute up to an additional $50 to your Health Reimbursement Account (HRA). 2

5 Health Management Resources continued The Benefits of Nielsen Health Management Programs Nielsen offers a variety of programs to help you sustain and improve your health. In 2013, Nielsen will contribute an additional $250 to your Health Reimbursement Account (HRA) for those who participate and remain engaged in at least one of the following health management programs: Asthma Congestive heart failure Diabetes management Coronary artery disease Chronic obstructive pulmonary disease Healthy pregnancy Treatment decision support Hospital discharge welcome home call If you are eligible for one of these programs, you will receive a phone call or letter from UnitedHealthcare asking you to participate. We highly encourage you and your family members to work with one of UnitedHealthcare s highly trained nurses in an effort to improve your overall health. If you also participate in a Wellness Coaching program, Nielsen will contribute an addiitonal $50 to your HRA. This $50 will be made in addition to the $250 contribution made for completing at least one of the health management programs listed above. Nielsen Get Healthy Rewards Program The Nielsen Get Healthy Rewards Program provides all full-time, benefits-eligible Nielsen employees with a reimbursement of up to $100 per year for either fitness club membership or weight management program costs. Through the Get Healthy Rewards Program, you will also have access to the International Fitness Club Network (IFCN). Learn more about the Get Healthy Rewards Program by checking out the FAQs section of the Benefits of Nielsen. Castlight Health Castlight is a personalized health care shopping tool that allows associates who are enrolled in a Nielsen medical plan to compare nearby doctors and services based on price and quality. What's more, Castlight empowers you to become a better health care consumer by giving you information to make smarter, more informed health care decisions. In light of upcoming Health Care Reform changes, it's important that you have access to the best tools to navigate the new and ever-changing health care system. Castlight is provided at no cost to Nielsen associates and their family members who are enrolled in a Nielsen medical plan. Be informed, be active and take advantage of all the programs offered to become a smarter health care consumer. Visit Castlight at 3

6 Medical Plans Nielsen offers two comprehensive medical plans through UnitedHealthcare: the Nielsen Health Fund Premium and the Nielsen Health Fund Value plans. These consumer-driven health plans will help you better see the cost of medical services and make smarter decisions for both your health and your wallet. In keeping with our commitment to our culture of health, in-network preventive care is covered at 100%, with no s, no copays and no coinsurance. Who s Eligible If you choose medical, dental or vision coverage for yourself, you can also enroll your eligible dependents, including your: Legal spouse Dependent children Domestic partner (same or opposite gender) Dependent children of your domestic partner Medical Eligibility Dependent children are eligible for coverage through the end of the month in which they turn age 26, regardless of student or marital status. Dental and Vision Eligibility Your unmarried children (until the end of the month in which they reach age 19 or, if a fulltime student at an accredited school, until the end of the month in which they reach age 25) who are not employed full-time and who are dependent upon you for support based on federal tax guidelines. Unmarried dependent children who are handicapped before age 19 and financially dependent on you can continue their medical/dental/vision plan eligibility beyond age 26 if approved by the carrier. Dependent children include: Your natural children Legally adopted children Children for whom a court has given you guardianship and financial responsibility (following federal tax guidelines) Stepchildren, foster children and domestic partner's unmarried dependent children who reside in your home The definition of eligible dependent children does not include the spouse, domestic partner or children of your eligible adult dependent child(ren). Health Reimbursement Account Nielsen contributes $500 per year to a Health Reimbursement Account (HRA) for you or $1,000 per year if you enroll your spouse or domestic partner and/or your covered dependents. Your HRA is prorated based on your date of hire. For example, if you start working on June 1, 2013, you can expect to receive 50% of the total HRA. It can be used to pay-as-you-go for eligible medical services, including covering a portion of your. Additionally, in 2013, Nielsen will contribute up to an additional $250 to your Health Reimbursement Account (HRA) if you are eligible and meet program requirements for a Health Management Program. Learn more under Health Management Resources. 4

7 Medical Plans continued The Benefits of Nielsen Plan Details At-A-Glance If you cannot locate an in-network provider within 30 miles of your home (either a primary care physician, a specialist or a health care facility), you may call UnitedHealthcare and request approval to have your out-of-network provider claims processed as in-network claims. You will be required to do this each time you see a provider. Health Reimbursement Account (HRA) Contribution Lifetime Maximum Benefit In-Network Providers Nielsen contributes $500 employee / $1,000 employee + dependent(s) Nielsen Health Fund Premium Employee / Family Unlimited Nielsen Health Fund Value Employee / Family Out-of-Network Providers Nielsen contributes $500 employee / $1,000 employee + dependent(s) Nielsen Health Fund Premium Employee / Family Unlimited Nielsen Health Fund Value Employee / Family Deductible Amount $1,100 / $2,200 $1,600 / $3,200 $2,200 / $4,400 $3,200 / $6,400 Out-of-Pocket Maximum (including your ) Coinsurance (after is met) Preventive Care Visits Covered at 100%; no applies Other Physician Office Visits Specialist Office Visits Emergency Room Visit $3,300 / $6,600 $4,300 / $8,600 $6,000 / $12,000 $6,100 / $12,200 You pay 20% You pay 30% You pay 40% You pay 50% You pay 20% after You pay 20% after You pay 20% after Covered at 100%; no applies You pay 30% after You pay 30% after You pay 30% after You pay 40% after You pay 40% after You pay 40% after You pay 40% after You pay 50% after You pay 50% after You pay 50% after You pay 50% after 5

8 Medical Plans continued The Benefits of Nielsen Prescription Drug Program When you enroll in a Nielsen Health Fund Plan, you and your enrolled dependents are automatically covered by the CVS Caremark prescription drug benefit program, which provides you and your family a choice of affordable drugs on the CVS Caremark Primary/Preferred Drug List. CVS Caremark also includes Maintenance Choice for medication used on an ongoing basis. The prescription drug program includes the Generic Prescribing Program, through which you can learn about therapeutic alternatives that may save you money. Visit to learn more. Cigna Dental Coverage Nielsen offers two dental plans through Cigna the Cigna Dental Care HMO and the Cigna Dental PPO. Cigna Healthy Rewards Because your dental carrier is Cigna, you now have access to additional discounts from acupuncture to buying vitamins online through Cigna Healthy Rewards. The discounts apply whenever you use Healthy Rewards participating providers. To find them, simply call Vision Care Benefits VSP, Nielsen s national vision insurer, offers vision coverage to you and your dependents. You do not need to be enrolled in a Nielsen medical plan to enroll in VSP. Flexible Spending Accounts When you participate in a flexible spending account (FSA), you set aside money from your paycheck on a pre-tax basis, and then use the money to reimburse yourself for eligible health care and/or dependent care expenses that you paid out-of-pocket. Under IRS rules, if you do not spend the money in your account by the end of the year, the remaining money is forfeited so you must use it or lose it. If you begin a new contribution during the year as a new hire or because of a qualified status change, you are only eligible to submit expenses incurred from your date of hire or qualified status change through the end of the year. Nielsen offers two FSAs: A Health Care Spending Account and a Dependent Care Spending Account. Employee Assistance Program and Behavioral Health Benefit The Nielsen Employee Assistance Program (EAP) and Behavioral Health benefit provide confidential support for those everyday challenges, and for more serious problems. Through your EAP and Behavioral Health benefit, you have access to a nationwide network of licensed behavioral health professionals who can help you with a wide range of personal issues or concerns. For more information, call or visit mynurseline SM With mynurseline SM services, you can call a registered nurse at any time, any day. They can help answer questions like "Does my medication have side effects?" and "What are my treatment options?" They can direct you to in-network doctors and even schedule appointments. Call for more information on this service. 6

9 Life and Accident Insurance Basic Life Insurance Through this company-paid plan, you will receive coverage of one times your insurable pay (rounded up to the next multiple of $1,000), up to a maximum of $1 million. Supplemental Life Insurance Through this employee-paid plan, you may elect coverage for yourself, your spouse or domestic partner, and/or your unmarried dependent children. You must elect coverage for yourself in order to enroll your spouse or domestic partner and children. Basic Group Accident Insurance Through this company-paid plan, you will receive Basic Group Accident insurance for you in the event of an accidental death or dismemberment. This plan pays a benefit of up to one times your insurable pay, up to a maximum of $1 million. Voluntary Group Accident Insurance This employee-paid plan pays benefits in the event of an accidental death or dismemberment and is available for you, or you and your family. You may elect coverage in $10,000 increments, up to a maximum of $1 million, for yourself and/or your family. Short-Term Disability (STD) You receive Short-Term Disability coverage automatically at no cost to you after your first 90 days of full-time employment. Long-Term Disability (LTD) You automatically receive Long-Term Disability coverage after your first 90 days of full-time employment unless you actively opt-out within the first 31 days from your date of hire. Evidence of Insurability Proof of good health also known as evidence of insurability must be submitted to and approved by MetLife when electing: More than three times insurable pay or increasing supplemental life coverage any time outside of initial eligibility period Long-Term Disability (LTD) outside of initial eligibility period If evidence of insurability is required, you must complete a Statement of Health and return it to MetLife. The form is available on Fidelity NetBenefits. You will be notified of your approval or denial. Payroll deductions will not begin until after you have been approved for coverage. 7

10 Retirement Program 401(k) Plan Regular full-time* employees can enroll in the Plan at any time. Part-time employees are eligible to enroll upon completion of 1,000 hours of service in a calendar year. You can enroll, start, stop or change your contributions at any time by visiting Fidelity NetBenefits at Plans include pre-tax and Roth 401(k) after-tax contributions, up to 2013 IRS limits. Nielsen matches up to 50% of the first 6% of your pre-tax and Roth after-tax contributions. The 2013 IRS limits are: Your combined contributions regular pre-tax and Roth after-tax cannot exceed $17,500. If you are age 50 or older in 2013 and you are contributing either 6% of your eligible compensation (refer to the Summary Plan Description on Fidelity s website) on a pre-tax or Roth after-tax basis or you have made the maximum pre-tax or Roth after-tax contribution of $17,500, you may contribute an additional $5,500. Your pre-tax contributions, Roth after-tax contributions, non-roth after-tax contributions and Nielsen matching contributions cannot exceed $51,000. If you are a mid-year new hire at Nielsen, it s important that you monitor your total annual maximum contribution against the maximum annual limit. * Employees scheduled to work on a full-time basis, as determined by the standards established by the locations where the employees work. 8

11 Additional Financial Programs The MetLife Personal Pension Builder A fixed deferred income annuity that can supplement what you are saving right now for retirement. The MetLife Guaranteed Income Program A fixed immediate income annuity that is designed to provide retiring individuals with steady, predictable income payments that start immediately upon retirement and continue for as long as you live. Blackstone Marketplace The Blackstone Marketplace provides you and your family with access to private shopping events and exclusive discounts on hundreds of brand name products and services. To learn more, go to Ayco s SurvivorSupport Benefits Nielsen partners with Ayco to provide financial guidance to employees and their families in the unfortunate event of the death of an employee or an employee s spouse or domestic partner. Hyatt Legal Plan Offered through Hyatt Legal Services, the legal plan provides a variety of legal services, including traffic and criminal matters, wills and estate planning, document preparation, purchase or sale of a home, refinancing, identity theft and adoption or guardianship. An annual fee is deducted from your paycheck after-tax in equal installments. Added Benefits Program Special group rates and money-saving discounts are available through American Benefits Consulting (ABC). ABC options include Auto & Home Insurance, Pet Insurance, Identify Theft Protection, and Chubb Personal Excess Liability Insurance. Learn more at College Savings Plan A 529 College Savings Plan allows participants to save for higher education on a federal income tax-free basis. Educational Assistance Program Nielsen provides reimbursement for many of the expenses associated with continuing education courses. All full-time, regular employees are eligible for education assistance benefits. Adoption Assistance Program Employees may be reimbursed for up to $5,000 of qualified adoption expenses, with a lifetime maximum of $10,000 per family. Commuter Benefits Program This program, sponsored by Nielsen and brought to you by WageWorks, lets you pay for your commuting costs through automatic, pretax payroll deductions. 9

12 The information in this document, provided by Nielsen, contains a summary of the benefits provided under the plans. Details are provided in the summary plan descriptions. The plan documents are the official plan text, which governs the operation of the plans. The language used in this brochure is not intended to create nor is to be construed to create a contract between Nielsen and any one of Nielsen s (or its subsidiaries ) employees or former employees. In the event that the content of this brochure or any oral representations made by any person regarding the plan conflicts with or is inconsistent with the provisions of the plan document, the provisions of the plan document control. Your enrollment in Nielsen s benefit plans is subject to all limitations of the plans, including at work requirements and eligibility requirements. Nielsen reserves the right to amend, modify or terminate any or all of the plans at any time Nielsen All rights reserved. Nielsen and the Nielsen logo are trademarks or registered trademarks of Nielsen. Other brand, product or service names are trademarks or registered trademarks of their respective companies. 3.VN-H-561B